Call reports 2013
WHITESVILLE STATE BANK — 2013
What WHITESVILLE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 85,136,000 | 84,402,000 | 85,816,000 | 83,133,000 |
| Total loans | 45,324,000 | 46,741,000 | 48,964,000 | 49,299,000 |
| Allowance for loan losses | 507,000 | 534,000 | 554,000 | 562,000 |
| Securities available for sale | 21,027,000 | 22,413,000 | 19,101,000 | 18,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,032,000 | 75,747,000 | 77,171,000 | 74,423,000 |
| Interest-bearing deposits | 54,721,000 | 53,424,000 | 55,676,000 | 54,379,000 |
| Noninterest-bearing deposits | 21,311,000 | 22,323,000 | 21,495,000 | 20,044,000 |
| Equity capital | 8,516,000 | 8,202,000 | 8,218,000 | 8,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,766,000 | 2,673,000 | 3,586,000 |
| Interest expense | 107,000 | 212,000 | 320,000 | 433,000 |
| Net interest income | 759,000 | 1,554,000 | 2,353,000 | 3,153,000 |
| Noninterest income | 245,000 | 527,000 | 815,000 | 1,076,000 |
| Noninterest expense | 786,000 | 1,590,000 | 2,485,000 | 3,316,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 174,000 | 416,000 | 470,000 | 655,000 |
| Income tax | 66,000 | 115,000 | 139,000 | 189,000 |
| Net income | 108,000 | 301,000 | 331,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,306,000 | 8,478,000 | 8,487,000 | 8,601,000 |
| Total capital | 8,813,000 | 9,069,000 | 9,101,000 | 9,229,000 |
| Risk-weighted assets | 63,591,000 | 55,953,000 | 55,888,000 | 56,161,000 |